Name: 金融專家來了！關於「錢」你有什麼問題嗎？ | Tech Support | WIRED Japan (金融の専門家だけど「お金」について質問ある？ | Tech Support | WIRED Japan)
Uploaded: 2026-03-15T17:42:38.000Z
Duration: 26 min 22 s

Hi besties, I'm Vivian Tu, a former Wall street trader, financial educator, and the CEO of Urrich bff.

嗨，我的好朋友們，我是 Vivian Tu，一位前 Wall Street 交易員、金融教育家，也是 Urrich bff 的執行長。

現在進行式

Today I'm taking questions from the Internet.

今天我們要來回答網路上的提問。

User chocolaterain Comments it's very odd how these companies are almost begging customers to split payments, slash, buy in for, et cetera.

使用者 chocolaterain 留言說，這些公司幾乎在懇求客戶分期付款、砍價、buy in for 等等，這真的很奇怪。

Like the klarna conversation of it all, it all started from a good place.

就像 Klarna 的討論一樣，一切都始於一個好的出發點。

The background is these companies were utilized often to provide credit to under banked communities.

背景是，這些公司經常被用來為銀行服務不足的社群提供信貸。

So people who couldn't necessarily get credit in the traditional way, they couldn't necessarily get credit cards or loans from banks.

所以，那些無法透過傳統方式獲得信貸的人，他們不一定能從銀行獲得信用卡或貸款。

People could use these programs to purchase major things, things like refrigerators, appliances, a new laptop for work work tools.

人們可以利用這些方案來購買大件物品，像是冰箱、電器、或是新的筆記型電腦來當作工作工具。

It started as a way to potentially help people, but obviously capitalism sunk her teeth into it.

一開始是為了可能幫助大家，但顯然資本主義已經介入了。

And now all of a sudden companies are saying, hey, you can split your burrito into four payments.

然後現在突然間，公司們都說，嘿，你可以把你的墨西哥捲餅抽成四期付款。

沒錯，墨西哥捲餅現在要價 16 美元了。

If you can use them correctly, you're okay.

如果你能正確使用它們，你就沒事。

But you miss one payment and you best believe your credit score is going to get dinged.

但你錯過一期付款，我跟你保證你的信用分數會受影響。

These are no longer safety nets providing funding to underfunded communities.

這些不再是為銀行服務不足的社群提供資金的安全網。

I do not use any of these programs and I would encourage you to avoid them as well.

我不會使用任何這些方案，我也鼓勵大家盡量避免使用。

This question comes from chaoticistaken Pros and Cons of Joint Bank Accounts this is a hot topic of mine, but

這個問題來自 chaoticistaken，關於聯名銀行帳戶的優缺點，這是我最近很感興趣的話題，但是

I think the healthiest strategy most often for couples is to have a yours, mine and ours strategy.

我覺得對大多數夫妻來說，最健康的策略是採取「你的、我的、我們的」策略。

Joint bank accounts are great because they make it really easy to split joint expenses.

聯名銀行帳戶很棒，因為它們讓分攤共同開銷變得非常容易。

So things like paying for your mortgage or utilities or even date night and vacations.

像是支付房貸、水電費，甚至是約會之夜和度假的費用。

But a joint bank account also opens yourself up to a lot of risk.

但聯名銀行帳戶也會讓你暴露在很多風險之中。

I I actually know a couple that had a joint bank account and one of the partners developed a pretty bad sports betting addiction and drained that entire bank account.

我認識一對夫妻，他們有聯名銀行帳戶，其中一方染上了很嚴重的運動簽賭惡習，把整個銀行帳戶都掏空了。

But because he was a joint owner on the account, there was nothing that my friend could really do about it.

但因為他是帳戶的共同持有人，我的朋友對此也無能為力。

So if you're opening up a joint bank account with someone, you have to make sure that you really, really trust them.

所以，如果你要跟某人開立聯名銀行帳戶，你必須確保你真的、真的信任對方。

They are financially literate and responsible.

他們在財務上是識字且負責任的。

And I still encourage even great couples and great relationships to still have their own money because we all need to have access to rainy day funds.

我還是鼓勵即使是很好的夫妻和很棒的關係，也要保有自己的錢，因為我們都需要有應急基金。

And I just think that it's so important, especially for women to make sure that they have the money to leave a bad situation in case things go south.

我認為這點非常重要，特別是對於女性，要確保她們有錢在情況變糟時離開不好的處境。

使用者 Patricia Honda 感到厭倦了。

She says what the Hell is loud budgeting now?

你們這些人根本就在亂編東西。

It's safe to say that a lot of people are feeling the burn in their wallets.

可以肯定的是，很多人都感覺到荷包在淌血。

Everything feels a little bit tighter from necessities, but also to just like going out with friends.

從生活必需品到跟朋友出去玩，所有事情都感覺有點緊繃。

And loud budgeting is very simply when you are transparent about your own money goals and what is available to you.

而「大聲預算」非常簡單，就是公開你的金錢目標以及你擁有的資源。

So you have four friends getting married next year.

所以，你們有四個朋友明年要結婚。

They all want you to go to their destination bachelorette parties.

他們都希望你去參加他們的目的地單身派對。

They are all having destination weddings and destination engagement parties.

他們都有目的地婚禮和目的地訂婚派對。

It is okay for you to actually talk to them and say, hey, I have some money goals.

你可以跟他們說，嘿，我有一些金錢目標。

And if I'm being totally transparent, going to New York for your engagement party, Cabo for your bachelorette, and

坦白說，去紐約參加你的訂婚派對、去坎昆參加你的單身派對，

then Italy for your wedding is not in my budget.

然後去義大利參加你的婚禮，這不在我的預算範圍內。

I want to still support you and be there for you as a friend.

我還是想支持你，並在你身邊。

Talk to me about what is most important for you and what I should really be present at.

跟我談談對你來說最重要的是什麼，以及我應該在哪裡出席。

That type of transparency is entirely what loud budgeting is about.

這種坦誠就是「大聲預算」的全部意義。

And it's just us being more honest versus going into debt for other people's major moments or to look cool or to do stuff just because.

這只是讓我們更誠實，而不是為了別人的重要時刻而負債，或是為了看起來很酷，或是因為別人做所以跟著做。

How do you balance saving for the future versus enjoying life now?

你要怎麼平衡為未來存錢和享受當下？

You have to build the infrastructure so you take all the decision making out of your day to day.

你需要建立一套系統，把日常的決策都從你生活中移除。

So when you sign up for your first job, they have you give them a checking account of where you want your paycheck deposited.

所以當你簽第一份工作時，他們會請你提供一個銀行帳戶，讓你把薪水存進去。

But did you know you can actually say, hey, I want 75% of my paycheck routed here.

但你知道嗎，你其實可以說，嘿，我希望 75% 的薪水匯到這裡。

10% 匯到這裡，另外 15% 匯到這裡。

This helps you really figure out what goes to taking care of future you and what you get to enjoy today.

這能幫助你真正弄清楚，哪些錢是用來照顧未來的你，哪些錢是你今天能享受的。

Seeking wealthsays people really think skipping out on their daily $5 coffee will help them become a millionaire?

Seeking wealth說，人們真的認為省下每天 5 美元的咖啡就能讓他們成為百萬富翁嗎？

A $5 coffee every day for a whole entire year works out to be roughly a little less than $2,000.

每天一杯 5 美元的咖啡，一整年下來大約是不到 2,000 美元。

That's certainly not getting you to millionaire status in the course of a year.

這當然不可能讓你一年內就變成百萬富翁。

However, the behavior of dollar dribbling oftentimes can lead you to become less wealthy over the course of your lifetime.

不過，這種小額消費的習慣，長期下來反而可能讓你變得比較不富有。

So what does that mean if every day you buy that $5 coffee with intention and it brings you so much joy and it is the only thing powering you to get to work?

所以，如果每天你都帶著意圖去買那杯 5 美元的咖啡，而且它帶給你很多快樂，是你上班的動力，那這代表什麼呢？

But are you also buying a croissant with that?

And then are you also spending $15 on a salad for lunch.

然後午餐又花了 15 美元買沙拉嗎？

And oh by the way, I didn't really feel like taking public transportation home tonight, so I took a ride share when you do these little things that add up over time, it can lead to less money in your pocket and less money more importantly and in your investments.

還有，我今晚其實不太想搭大眾運輸回家，所以就叫了趟共乘，當你做這些日積月累的小事時，你的口袋會少一些錢，更重要的是，你的投資也會少一些錢。

Over the course of your lifetime, when you are just spending mindlessly, it's not really adding to your life.

在你的一生中，當你只是漫無目的地消費時，這並沒有真正豐富你的生活。

You will actually end up spending a lot of your money and then looking back and feeling like you have nothing to show for it.

你最終會花掉很多錢，然後回頭看時，覺得自己一無所獲。

So what I say is if you are going to make little purchases, buy yourself a little treat, do it with intention, do it with meaning.

所以我說，如果你要買點小東西，犒賞自己一下，那就帶著意圖去做，帶著意義去做。

But in situations where you don't need to be spending certain amounts of money, you might be better off allocating that dollar into an investment account for yourself.

但在某些不需要花錢的情況下，你或許可以把這筆錢拿去投資。

That money doesn't go away you it just gets to take care of Future you.

這筆錢並不會消失，它只是會照顧未來的你。

June Crypto 3 says $20,000 in student loans still paying the price of bad decisions.

June Crypto 3 說，他還有 2 萬美元的學貸，仍在為過去的錯誤決定付出代價。

I'm sorry that you are still paying off your student loans, but

for maybe younger people who are considering higher education, what I really encourage you to do is actually go to bls.gov, this is the Bureau of Labor Statistics.

對於可能正在考慮接受高等教育的年輕人，我真的鼓勵你們去看看 bls.gov，這是美國勞工統計局。

They have an A through Z occupational handbook.

他們有一個從 A 到 Z 的職業手冊。

So they have everything from accountant to zookeeper.

所以他們有從會計師到動物管理員的所有職位。

They'll tell you how much education you need, any sort of licensing requirements or graduate degrees or anything like that.

他們會告訴你需要多少教育程度、任何執照要求或研究所學位等等。

Also what different sectors pay for that type of job.

還有不同行業對那種工作支付的薪水。

And that way you actually have a good gut check of will this degree and major give me the actual career that will fund all of the debt that I might need to be taking to actually get it.

這樣你就能真正有個好的直覺判斷，這個學位和主修會不會給我帶來足以支付我可能需要負擔的所有債務的實際職業。

Todd Berry says, got this great chrome extension that searches for discount codes when you shop online.

Todd Berry 說，他有一個很棒的 Chrome 擴充功能，可以在你線上購物時搜尋折扣碼。

It only takes an extra minute and it never ever finds a discount.

這只需要多花一分鐘，而且它從來沒有找到過折扣。

Those CHR extensions, more often than not they won't really find you anything.

那些 CHR 擴充功能，大多數情況下它們真的找不到任何東西。

But what I do think is real is going through an affiliate website.

但我認為真正有用的是透過聯盟網站。

So things like a Rakuten before you are going to buy something, they have a relationship with a lot of vendors where they're like, hey, if you drive us traffic, we will give you 10% of each order.

像是 Rakuten 這樣的網站，在你買東西之前，它們和很多供應商都有合作關係，它們會說，嘿，如果你幫我們帶來流量，我們會給你每筆訂單的 10%。

And then they turn around and say, hmm, we'll give you 5% cash back if you route your order through us.

然後它們又會說，嗯，如果你透過我們下單，我們會給你 5% 的現金回饋。

Essentially you get to split that commission with them.

基本上你可以和它們分潤這個佣金。

So before I go shopping anywhere, I head to a site like Rakuten, I make sure that I see what sort of cash back I'm able to get.

所以在我去任何地方購物之前，我都會先到 Rakuten 這樣的網站，確保我看到我能拿到多少現金回饋。

And then I use a rewards credit card so I can get cash back again or maybe even travel miles.

然後我還會用有現金回饋或旅遊里程的信用卡。

My money culture asks what should I do first?

我的金錢觀會問我，我應該先做什麼？

Pay off my debts, save for an emergency fund, save for a house or invest.

還清債務、存緊急預備金、存買房頭期款，還是投資。

Okay, this is the easy peasy way to go through the waterfall.

好的，這是最簡單的方法來完成這個瀑布流程。

First and foremost you want to have an emergency fund.

首先，你一定要先存好緊急預備金。

This makes sense because you don't want to get into more financial trouble if the wheel rolls off of your car or your roof caves in.

這樣做很有道理，因為如果你的車子輪胎爆胎或屋頂塌陷，你就不會陷入更大的財務困境。

What I personally like to do is say three to six months of living expenses in a high yield savings account if you're single or six to 12 months of living expenses if you're ahead of household.

我個人喜歡的做法是，如果你是單身，就存三到六個月的生活費在一個高利率的儲蓄帳戶裡；如果你有家庭，就存六到十二個月的生活費。

Then we're gonna pay off our high interest rate debt.

接著，我們要還清高利率的債務。

So that's debt anything above 7%, mostly credit cards.

所以是任何高於 7% 的債務，主要是信用卡。

Once we have that all paid off, then you can start thinking about investments and saving for a house so you can continue to pay your low interest rate debt while you start setting money aside for more liquid investments.

一旦我們把這些都還清了，你就可以開始考慮投資和存買房頭期款，這樣你就可以繼續償還低利率債務，同時開始為流動性較高的投資存錢。

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金融專家來了！關於「錢」你有什麼問題嗎？ | Tech Support | WIRED Japan (金融の専門家だけど「お金」について質問ある？ | Tech Support | WIRED Japan)

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